Plan details
Handle it totally online—
take advantage of our streamlined approval process to buy now.
You’re eligible to apply for $100,000 to $250,000 in 20-Year Level Term Insurance. Once you are approved, you can choose the benefit level that’s right for your family. Why put it off any longer?
Go from “I’ve been meaning to do it” . . . to feeling secure in minutes.
20 years of solid protection
- Provide quality coverage for the 20 years your family needs it the most.
- As long as your premiums are paid, your coverage can’t be canceled.
- Cover the crucial period when your family depends on you for living expenses, mortgage payments, education and more.
- Add to existing insurance or start safeguarding your family now.
- This valuable coverage is not available through agents or brokers.
Affordable Rates
- If you’re healthy and between ages 18 and 45, this Term Life is one of the best value plans you can buy. It’s not a savings plan, it’s pure protection.
- Plus: as a non-smoker you qualify for our absolute lowest rates.
- Stability: rates remain the same the first year and you will not be singled out for a rate increase due to age or health. Stonebridge Life may only change premiums by class for everyone insured under the Master Group Policy.
- Use our Quick Start to find out how affordable your rate can be.
Your benefit never decreases
- Whatever amount you choose from $100,000, $150,000, $200,000, or $250,000 — that benefit amount will never decrease because of your age or health.
Extend your coverage
- You can convert your coverage any time before the Certificate Expiration Date to up to $10,000 of any form of individual permanent life insurance without a medical exam or other evidence of insurability.
- There is no additional charge for converting to permanent life insurance.
Review the policy for 90 days at no risk
- Protect your family while you review the plan.
- Take a full 90 days to decide to keep this valuable coverage.
- 90-day Statisfaction Guarantee: if you’re not satisfied, call Stonebridge Life and cancel within 90 days of receiving your insurance documents and we’ll refund any premiums paid.
Applying online is hassle-free and fast
- Our express application eliminates the need for a medical exam.
- All you need is your Driver’s License and Social Security numbers.
- Answer a few questions and learn your status in a matter of minutes.
- Acceptance is based on your answers to underwriting health questions, your prescription drug history and your driving record.
- If accepted, you could walk away knowing your family’s protected for the next 20 years.
- Flexible Payment Options: pay conveniently by credit card, debit card or automatic bank draft.
What do the studies show about Term Life?
According to a LIMRA International* study published in 2005:
- Four out of 10 policies bought today are for 20-Year Term Life.
- People 18-54 are more likely to buy term insurance than other products.
- Over 50% of policies purchased are term life policies.
It’s clear what people are buying.
Apply now and get one of our best values in 20-year term life.
Add an Optional Benefit
A valuable benefit if you become Totally Disabled
If you become disabled, the last thing you need to worry about is how to pay your premiums. Especially with other expenses and little or no income. With this optional benefit, we’ll waive the payment of each premium due provided:
- You are determined on evidence satisfactory to us, to be Totally Disabled and remain disabled for at least 180 days.
- The Certificate and this Rider is in force.
- The Grace Period has not expired.
- You have not reached age 65.
Note: This coverage is not available in all states and has exclusions.
*Source: LIMRA International: The Life Buyer Study: United States (2005), Author(s): Kenneth Isenberg, Karen Terry. 7/28/2005
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